Privacy Policy
Effective Date: January 15, 2025
Last Updated: January 15, 2025
Introduction
At Coverage Cowboy, LLC (“Coverage Cowboy,” “we,” “us,” or “our”), we are committed to protecting your privacy and safeguarding your personal information. This Privacy Policy explains how we collect, use, share, and protect your information when you visit our website at coveragecowboy.com, use our services, or interact with us in connection with insurance products and services.
We understand the importance of maintaining the confidentiality of your personal and financial information. As a licensed insurance agency, we comply with the Gramm-Leach-Bliley Act (GLBA), applicable state insurance regulations, and other relevant privacy laws.
By using our website or services, you acknowledge that you have read and understood this Privacy Policy.
Information We Collect
We collect information to provide you with insurance quotes, policies, and related services. The types of information we may collect include:
Personal Information
- Contact Information: Name, mailing address, email address, phone number(s)
- Identification Information: Date of birth, Social Security number, driver’s license number, state ID number
- Financial Information: Bank account information, payment card details, credit history, income information
- Employment Information: Employer name, occupation, business information
- Insurance Information: Current and previous insurance policies, claims history, coverage needs
Health Information
For certain insurance products (such as life insurance or health insurance), we may collect health-related information subject to applicable privacy laws including the Health Insurance Portability and Accountability Act (HIPAA).
Information Collected Automatically
When you visit our website, we may automatically collect:
- Device Information: IP address, browser type, operating system, device identifiers
- Usage Information: Pages visited, time spent on pages, links clicked, referring website
- Cookies and Similar Technologies: We use cookies, web beacons, and similar tracking technologies to enhance your experience on our website
How We Collect Information
We collect information from various sources, including:
- Directly From You: When you request a quote, apply for insurance, submit a claim, contact us, or fill out forms on our website
- From Your Transactions: Information about your insurance policies, premiums, claims, and payment history
- From Third Parties: Insurance carriers, consumer reporting agencies (such as credit bureaus), motor vehicle records agencies, medical providers (with your authorization), and other service providers
- Automatically: Through cookies and tracking technologies when you use our website or interact with our emails
How We Use Your Information
We use your information for the following purposes:
Insurance Services
- Provide insurance quotes and recommendations
- Process insurance applications and bind coverage
- Administer policies and process premium payments
- Handle claims and provide customer service
- Evaluate risk and underwriting decisions
- Detect and prevent fraud
Communication
- Respond to your inquiries and requests
- Send you policy documents, renewals, and important notices
- Provide customer support
- Send marketing communications about our products and services (with your consent where required)
Business Operations
- Improve our website and services
- Conduct data analytics and research
- Comply with legal obligations and regulatory requirements
- Enforce our terms and conditions
- Protect against security threats and illegal activities
How We Share Your Information
We may share your information in the following circumstances:
With Insurance Companies and Service Providers
We share your information with insurance carriers to obtain quotes, bind coverage, and administer policies. We also work with service providers who assist us with business operations, including:
- Payment processors
- Technology service providers
- Marketing and advertising partners
- Claims administrators
- Premium financing companies
These service providers are contractually required to protect your information and use it only for the purposes we specify.
With Affiliates
We may share information with our parent company, subsidiaries, and affiliated companies for business purposes.
As Required by Law
We may disclose your information to:
- Government agencies, regulators, and law enforcement
- Courts and legal processes
- Comply with legal obligations and respond to lawful requests
With Your Consent
We may share your information with third parties when you provide explicit consent for us to do so.
Business Transfers
If Coverage Cowboy is involved in a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction.
Information We Do NOT Share
We do not sell, rent, or lease your personal information to third parties for their own marketing purposes. Your trust is paramount to us, and we are committed to keeping your information confidential.
We do not share your nonpublic personal information with nonaffiliated third parties except as described in this Privacy Policy or as permitted or required by law.
SMS/Text Messaging
Opt-In for Text Messages
Our clients may opt-in to receive text communications from Coverage Cowboy through the Text Opt-In form or Contact Us form on our website.
Upon submission of the opt-in form to our office, Coverage Cowboy (employees or others on our behalf) may send text messages in various formats and with various contents, including but not limited to text messages about:
- Insurance policies and renewals
- Payment reminders and receipts
- Claims updates
- Appointment confirmations
- Important policy notifications
- Marketing messages for products and services offered by or through Coverage Cowboy
If you do not wish to receive text messages from Coverage Cowboy or others acting on our behalf, or if you do not agree to the Terms of Use for text messaging, you should not submit the opt-in form or consent to be texted.
Your Responsibilities
By submitting the text opt-in form, you acknowledge that:
- You are the owner or authorized user of the mobile phone number you submit
- You will notify us immediately if you are no longer the owner or authorized user of the submitted mobile phone number
- You are solely responsible for any message and data charges associated with such text messages
- Standard message and data rates may apply depending on your mobile carrier
Opt-Out Instructions
To opt out of receiving text messages from Coverage Cowboy at any time, reply STOP to any text message you receive from us, and you will be removed from our text messaging list.
To receive future messages after opting out, you will need to resubmit the opt-in form on our website.
For help or questions about text messaging, reply HELP to any message or contact us at servicing@coveragecowboy.com.
Your Rights and Choices
You have certain rights regarding your personal information:
Access and Correction
You may request access to the personal information we maintain about you and request corrections to inaccurate information. Contact us at the information provided below.
Opt-Out of Marketing Communications
You may opt out of receiving marketing emails by clicking the “unsubscribe” link in any marketing email or by contacting us. Even if you opt out of marketing communications, we may still send you transactional and administrative communications related to your insurance policies.
Opt-Out of Text Messages
As described above, you may opt out of text messages at any time by replying STOP.
Do Not Track
Our website does not currently respond to “Do Not Track” browser signals.
California Privacy Rights
If you are a California resident, you may have additional rights under the California Consumer Privacy Act (CCPA). Please contact us for more information about exercising these rights.
Cookies and Tracking Technologies
What Are Cookies?
Cookies are small text files placed on your device when you visit our website. We use cookies and similar technologies to:
- Remember your preferences and settings
- Analyze website traffic and usage patterns
- Deliver targeted advertisements
- Improve website functionality and user experience
Types of Cookies We Use
- Essential Cookies: Necessary for the website to function properly
- Analytics Cookies: Help us understand how visitors use our website
- Marketing Cookies: Used to deliver relevant advertisements and track campaign effectiveness
Your Cookie Choices
Most web browsers allow you to control cookies through their settings. You can typically:
- Block all cookies
- Block third-party cookies
- Delete cookies after you leave our website
- Browse in “private” or “incognito” mode
Please note that blocking or deleting cookies may affect your ability to use certain features of our website.
Data Security
We take the security of your information seriously and implement reasonable administrative, technical, and physical safeguards to protect your personal information from unauthorized access, use, or disclosure.
Our security measures include:
- Encryption of sensitive data during transmission
- Secure servers and data storage systems
- Access controls and authentication procedures
- Employee training on data privacy and security
- Regular security assessments and updates
However, no method of transmission over the internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.
Data Retention
We retain your personal information for as long as necessary to:
- Provide you with insurance products and services
- Comply with legal, regulatory, and contractual obligations
- Resolve disputes and enforce our agreements
- For legitimate business purposes
Retention periods vary depending on the type of information and applicable laws. Generally, we retain insurance-related information for at least seven (7) years following the termination of a policy or customer relationship, or longer if required by law.
Third-Party Websites
Our website may contain links to third-party websites, including insurance carrier websites and other service providers. This Privacy Policy does not apply to those third-party websites. We encourage you to review the privacy policies of any third-party websites you visit.
Children’s Privacy
Our website and services are not directed to children under the age of 13. We do not knowingly collect personal information from children under 13. If we learn that we have collected personal information from a child under 13, we will delete that information promptly.
Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, legal requirements, or for other operational reasons. When we make changes, we will update the “Last Updated” date at the top of this policy.
If we make material changes, we will provide notice through our website or by other means as required by law. We encourage you to review this Privacy Policy periodically to stay informed about how we protect your information.
State-Specific Privacy Rights
California Residents
California residents may have additional rights under the California Consumer Privacy Act (CCPA) and the California Financial Information Privacy Act, including:
- The right to know what personal information we collect, use, and share
- The right to request deletion of personal information
- The right to opt-out of the sale of personal information (note: we do not sell personal information)
- The right to non-discrimination for exercising privacy rights
Nevada Residents
Nevada residents have the right to opt out of the sale of certain personal information. We do not sell your personal information as defined under Nevada law.
Other State Rights
Residents of other states may have additional privacy rights under applicable state laws. Please contact us for more information.
Notice to Insurance Customers (GLBA Notice)
As required by the Gramm-Leach-Bliley Act (GLBA) and applicable state regulations, we provide this notice to explain our privacy practices regarding the collection, use, and protection of your nonpublic personal financial and health information.
Categories of Information We Collect:
- Information from applications and forms (e.g., name, address, Social Security number, income, medical history)
- Information about your transactions with us or others (e.g., policy coverage, premiums, claims)
- Information from consumer reporting agencies (e.g., credit history, claims history)
Categories of Information We Disclose:
We may disclose the categories of information described above to insurance companies, service providers, affiliates, and as otherwise described in this Privacy Policy.
Confidentiality and Security:
We maintain physical, electronic, and procedural safeguards to protect your nonpublic personal information and limit access to those employees and service providers who need the information to provide services to you.
Your Right to Opt Out:
We do not share your nonpublic personal information with nonaffiliated third parties for their own marketing purposes. Therefore, we do not offer an opt-out for such sharing. However, you may opt out of marketing communications as described in this Privacy Policy.
Contact Us
If you have questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us:
Coverage Cowboy, LLC
Mailing Address:
66 Route 17 North, Suite 300
Paramus, NJ 07652
Email:
servicing@coveragecowboy.com
Website:
https://www.coveragecowboy.com
Acknowledgment
By using our website or services, you acknowledge that you have read, understood, and agree to the terms of this Privacy Policy. If you do not agree with this Privacy Policy, please do not use our website or services.
Your privacy is of utmost importance to us. We do not sell or lease our contact data or lists to third parties. Rest assured, we will not provide your personal information to any third-party individual, government agency, or company at any time unless compelled to do so by law or as described in this Privacy Policy.
